finally in the amex family

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
16 posts
marlonbishop
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Location: Florida

finally in the amex family

Postby marlonbishop » Tue Sep 09, 2014 11:13 pm

just a quick message:

just got approved for the amex green after a recon. Finally in the family happy so far!

:oooo :oooo :oooo :oooo :oooo
BoA Cash Rewards $4000
Macy's $1000
Discover it $5000
Chase Sapphire Preferred $5000
Chase Freedom $2000
Amex Green NPSL
Amex Gold Premier Rewards NPSL

Find me on MyFico: Sapingo (if you see me say hello)!


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Vattené
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Postby Vattené » Wed Sep 10, 2014 1:18 am

Congratulations, hope you like the card.

I have been set on joining the family for a few months now. I definitely plan on applying before the end of the year - I want to get in early to be able to take advantage of backdating. I just need to pick which card I want and actually bite the bullet.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Sep 10, 2014 1:28 am

Vattené wrote:Congratulations, hope you like the card.

I have been set on joining the family for a few months now. I definitely plan on applying before the end of the year - I want to get in early to be able to take advantage of backdating. I just need to pick which card I want and actually bite the bullet.


Your FICO is good, and you have credit history going back a few years. You could probably skip the charge card 'stage' and go right for one of the credit cards if you wanted. If you want to keep Discover as your everyday card, though, I'd avoid the ED and EDP which need a lot of swipes to get the big bonuses.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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Vattené
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Postby Vattené » Wed Sep 10, 2014 2:14 am

It's really more procrastination/not being able to settle on a card than a fear of getting denied (I made a post about getting an EveryDay card over a month ago if you're interested.)

I would like to rack up some points for a trip I'm planning in a couple of years. I'm torn between the EveryDay and the Blue Sky at this point. I make over 20 swipes a month easily, but would like to keep showing Discover some love as they have been good to me and I couldn't be happier with them. I wish I knew how beneficial using MR points with travel partners was and how easy it is to get a good value for your points.

The Blue Sky seems much simpler, especially since I am not a frequent traveler. You just make the arrangements as you see best fit, and get statement credits without worrying about point conversions and a hundred other considerations. Depending on how beneficial you can make MR points for you, the Blue Sky might even get a better return on rewards. 7,500 points can be redeemed for $100 in statement credits (so 1.33% back). Even assuming 1.2X MR points on everything, this may be less. I know people can get over $.01 per point, but - not being a cardmember - I don't know how this works or how easy that is.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

lexington
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Location: orlando fl

Postby lexington » Wed Sep 10, 2014 7:16 am

I got the Blue Sky because of a targeted offer which gave me 30K travel points (400) after spending 500 in 90 days. Just recently I was approved for the AMEX PRG because of an offer I saw for 50K MR points after 1K of transactions in 90 days (although I am disputing it because they said it was only 25K).

Have you tried the site to see if you may have any special offers?

Try this link:

https://www304.americanexpress.com/credit-card/28000?ccsgeep=28000&psCCSG=CCSG_Google_AE_American_Express_Exact
[size=80]Chase Slate CL-$4,000.00 |Chase Freedom CL-$5,000.00 | Discover IT CL$8,000 |Citi Diamond CL $8,000 | Citi Thank you CL $9,000 | AMEX Blue Sky CL- $6,500.00 | AMEX Premier Gold- No CL | B Of A Cash CL- $8,000.00 |
PenFed Promise CL- $12,000.00 |BMW Card CL $1,000 | |PenFed Rewards CL-$11.000.00 | Pen Fed Cash CL-$1,000.00 | Nav Fed Platinum CL $14,000.00 | Navy Federal Cash Rewards CL -$1,000.00| USAA Rate Advantage CL-$14,000.00 | B of A Travel CL-$4,000.00| B of A Cash CL-$8,000 | B of A Travel CL-$4,000|


[size=80]-Scores Experian-- 728 Trans 740 Eqiufax-750
-Credit Established-- Jan 2010[/size]

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Sep 10, 2014 8:48 am

Vattené wrote:It's really more procrastination/not being able to settle on a card than a fear of getting denied (I made a post about getting an EveryDay card over a month ago if you're interested.)

I would like to rack up some points for a trip I'm planning in a couple of years. I'm torn between the EveryDay and the Blue Sky at this point. I make over 20 swipes a month easily, but would like to keep showing Discover some love as they have been good to me and I couldn't be happier with them. I wish I knew how beneficial using MR points with travel partners was and how easy it is to get a good value for your points.

The Blue Sky seems much simpler, especially since I am not a frequent traveler. You just make the arrangements as you see best fit, and get statement credits without worrying about point conversions and a hundred other considerations. Depending on how beneficial you can make MR points for you, the Blue Sky might even get a better return on rewards. 7,500 points can be redeemed for $100 in statement credits (so 1.33% back). Even assuming 1.2X MR points on everything, this may be less. I know people can get over $.01 per point, but - not being a cardmember - I don't know how this works or how easy that is.


The value of MR points varies so widely because the offerings available within different frequent flyer programs vary widely. Two different flights might each cost a fixed 25,000 points, for example, but the cash price of one might be $200 and another may be $600. So while all the MR transfer partners let you convert 1 MR point into one airline point, what one airline point will actually buy when you want to go from A to B on day C just differs so much. You might find that paying cash and saving your points is a better way to go.

For your upcoming trip, try to figure out which airline(s) you'll be using. If they aren't MR transfer partners, MR points won't do much good. I fly US Airways mostly, when I do fly, and they aren't in the program.

You might also read:http://creditcardforum.com/rewards/10370-any-good-frequent-flyer-programs.html

You can also look at the Arrival or Arrival+. I'm planning on just getting the no-AF version, since so much of my spending can get 5% cash back. And if you do put a lot of spending on an Amex and get good value of MR points (1.5 to 2 cents or more), the EDP's annual fee can easily be worth it.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

Bama87
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Location: USA

Postby Bama87 » Wed Sep 10, 2014 10:20 am

lexington wrote:Just recently I was approved for the AMEX PRG because of an offer I saw for 50K MR points after 1K of transactions in 90 days


I got the PRG for that exact same reason, plust I wanted to get in with AMEX and was indecisive on which one to get. 50K points for $1,000 spend. Figured why not. Even at $0.01 a piece thats $500 for travel, I recently had some big purchases to make anyways. The same day I actually received my PRG card, I got an offer for the no-fee Everyday card (I never planned on carrying the PRG past the 1 year mark anyways). I think it was another 25K MRs for $1,000 spend at 12.99% APR, not that I ever plan to carry a balance, but that would be the lowest APR I had so just in case. I am waiting to app for that until I see how close I am going to be for meeting min spend on my AAdvantage card.

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Sep 10, 2014 10:47 am

lexington wrote:Just recently I was approved for the AMEX PRG because of an offer I saw for 50K MR points after 1K of transactions in 90 days (although I am disputing it because they said it was only 25K).


Did they say why they think it is only 25k? When I got 50k on PRG, I was totally new to Amex. But when I would click on links for a signup bonus on BCE a few months later, it would take me to the Amex site and say that they had identified me as an existing Amex customer, and I would not qualify for a BCE bonus. Given the annual fee on the PRG, I expect it always comes with some bonus or another, but maybe it was reduced because you're already a customer? Where did you find the 50k offer - online or in the mail?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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sicasun
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Joined: Tue Jan 29, 2013 12:09 am
Location: TX, USA

Postby sicasun » Wed Sep 10, 2014 11:23 am

Congratulations! I recently joined the AMEX family too, with the TrueEarnings card :) I've heard good things about AMEX so hoping it'll be a good experience.

Chase Sapphire Preferred | 09/2014 | $10,300
Chase Sapphire | 05/2010 | $5,000
Chase Freedom | 01/2013 | $5,500
CapitalOne Quicksilver | 01/2013 | $2,500
American Express TrueEarnings | 08/2014 | $5,500
Victoria's Secret Angel Card | 04/2011 | $600

FICO | 09/2014 | Experian 738 | Equifax 706 | TransUnion 701

Skycap
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Joined: Thu Jun 19, 2014 2:17 pm
Location: California

Postby Skycap » Wed Sep 10, 2014 12:12 pm

Good to hear! I also just recently became a part of the Amex crew myself.
[size=60]American Express Blue Cash Everyday $6,000 | Bank of America Power Rewards $500
Best Buy $2,200 | Chase Freedom $2,500 | Citi Diamond Preferred $2,700
First Financial Bank $8,800 | Home Depot $500 | JCPenney $1,200 | Kohls $500
Target $1,300 | Union Bank (FNB) $1,300

FICOs
TU:761, EQ:754, EX:732 (11/2014)
[/size]



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